Security State Bank of Marine: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Security State Bank of Marine of Marine on Saint Croix, MN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.42% | 1.34% | +1.08% | 93rd top |
| ROAE | 22.64% | 13.31% | +9.33% | 93rd top |
| Net Interest Margin | 4.60% | 3.93% | +0.67% | 82nd top |
| Efficiency Ratio | 43.37% | 61.14% | -17.77% | 91st top |
| PPNR / Avg Assets | 2.71% | 1.68% | +1.03% | 93rd top |
| Yield on Earning Assets | 5.87% | 5.67% | +0.20% | 63rd above |
| Cost of Funds | 1.39% | 1.88% | -0.49% | 75th top |
| Net Interest Spread | 3.86% | 3.32% | +0.54% | 77th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.22% | 0.94% | -0.72% | 63rd above |
| NPA / Total Assets | 0.17% | 0.70% | -0.53% | 63rd above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 84th top |
| ACL / Total Loans | 1.32% | 1.28% | +0.04% | 65th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 607.69% | 1538.90% | -931.21% | 75th top |
| Texas Ratio | 1.42% | 7.33% | -5.91% | 68th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 264.71% | 1395.88% | -1131.17% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.08% | 19.50% | -4.42% | 49th below |
| Tier 1 Ratio | 15.08% | 19.54% | -4.46% | 49th below |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.34% | 20.62% | -4.28% | 51st above |
| Leverage Ratio | 10.87% | 12.14% | -1.27% | 48th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.79% | 11.37% | -0.58% | 57th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.79% | 11.09% | -0.30% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.06% | 80.64% | +6.42% | 35th below |
| Core Deposit Ratio | 94.42% | 86.86% | +7.56% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.03% | 6.85% | -3.82% | 40th below |
| Loan Growth (Y/Y) | 4.81% | 7.90% | -3.09% | 46th below |
| Deposit Growth (Y/Y) | 2.50% | 6.29% | -3.79% | 39th below |
See Security State Bank of Marine's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Security State Bank of Marine, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Security State Bank of Marine profile, how to read a UBPR, or how this data updates.